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Banco Popular De Puerto Rico

IDRSSD: 940311
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #940311 2024-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (watch).

Liquidity:Strong
Securities:Watch
Capitalization:Stable
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.29% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.04%.

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -8
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.2%, loans/deposits 44.9%.

Cash / Assets
—
Loans / Deposits
44.91%
Brokered %
0.22%
No watch items at this period.

Securities

WatchQoQ -8
49
Sub-score

Securities profile is deteriorating: securities 35.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
35.24%
No watch items at this period.

Capitalization

StableQoQ -1
79
Sub-score

Capital position is stable: Tier 1 RBC 16.66%, leverage 7.49%.

Tier 1 RBC
16.66%
CET1
—
Leverage
7.49%
No watch items at this period.

Asset Quality

StableQoQ +2
65
Sub-score

Asset quality is stable: Adjusted NPL 2.29%, Texas Ratio 10.8%, NCO YTD 0.93%.

Adjusted NPL
2.29%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
0.93%
30-89 PD
0.97%
Band 0.3% / 3.0%
90+ PD
1.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.29% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.04%.

Reserves

StableQoQ +3
68
Sub-score

Reserves are stable: ALLL 2.63% of loans, coverage 117.9%, true coverage 71.0%.

ALLL / Loans
2.63%
Coverage
117.9%
True Loss Coverage
71.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 13:38:36 UTC